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Understanding Commercial Auto Insurance In Ontario

A commercial automobile is any vehicle that may be used for business, or anything that can’t be covered through a personal auto policy. These vehicles are usually tied to some form of income, whether it’s carrying tools, equipment, food, or livestock. In more or less words, a commercial automobile is any vehicle that’s not your typical everyday commuter vehicle.

As a result, it is important to ensure that these vehicles are insured.


How Does Commercial Auto Insurance Work In Ontario?

Commercial auto insurance is rated more so on classes of business and radius of operations. For example, if you’re a general contractor, your vehicle would be rated differently than somebody hauling livestock or a photographer. If you were operating within a 40km radius your premiums might look different than somebody operating within a 500km radius because you’d be on the road less, which means less risk, theoretically.

There can also be situations where there is equipment attached to a vehicle. This would play a role in determining the level and cost of insurance. When it comes to cost, it really does depend on the type of driver (Do they have convictions? Do they have any outstanding claims? Do they have experience driving heavy vehicles?), vehicle and the type of operation.


What Does Commercial Auto Insurance Cover?

Commercial auto insurance is very similar to personal auto insurance when it comes to coverage. You have your liability, where if you were sued for an accident where someone was hurt and suffered injuries, you would be covered. You also have coverage for physical damage to the vehicle. Whether that be fire, theft, getting into an accident where you are either at fault or not at fault.

These are the two important coverage’s to have on your commercial auto policy.


How You Can Get Started

If you have specific questions about Commercial Auto Insurance or Fleet Insurance, or want more information, the Duliban Insurance Brokers team is here to help! Contact us today to find answers to your questions and to get a free quote based on your specific needs.

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